Tuesday, 21 May 2013

Debt Management Plan Calculator


  1. At CredAbility, certified counselors help consumers determine whether they can tackle their financial challenges through budgeting and reduced spending, or if the structure of a debt management plan will be more effective.
    What is a Debt Management Plan?
    For a small monthly fee, consumers make a single payment to an agency like CredAbility, which acts as a trustee in distributing the funds to creditors. CredAbility works with both clients and creditors to design a debt repayment program that minimizes monthly payments, interest and related fees, providing a manageable tailored plan for the client. This enables the client to repay their entire debt obligation at more favorable terms, and on a plan that is within their ability to pay.
    The repayment period varies based on amount owed and the repayment terms. The average debt management plan is structured to repay debt in 36-60 months.
    Where Do I Want to Be in 5 Years?
    This webinar will help you identify and commit to goals that inspire you to make the right choices. You'll also learn to adjust goals as necessary.

    read more at Personal Debt Management
    Posted by


  2. National Nonprofit Credit Counseling Organization Expands Offices in Southeast
    ATLANTA, GA – CredAbility, one of the leading nonprofit credit counseling and education agencies in the United States, today announced an agreement to acquire the Consumer Credit Counseling Service (CCCS) program of Compass of Carolina, a multi-service nonprofit agency based in Greenville, South Carolina.  All other services of Compass of Carolina will remain with Compass.
    The acquisition has been approved by the board of directors of both organizations.  It will become effective on November 1.
    Compass/CCCS has three offices in Greenville, Spartanburg and Greenwood.  Its CCCS program was started in 1971 and provides budget, credit, and pre-filing bankruptcy counseling, debtor education and debt management plans.


    What's The Best Mortgage Loan For Me
    This course will instruct you on the loan pre-qualification/pre-approval process. Learn about the available mortgage options and the underwriting and loan decision process.
    webinar
    Where Do I Want to Be in 5 Years?
    The purpose of this webinar is to help you identify and commit to goals that inspire you to make the right choices. You will learn to start with your ending goal in mind, write down your goals and adjust your goals as necessary.


    read more at Pay Credit Card Debt
    Posted by


  3. If you have any questions, a Certified Credit Counselor is available to assist you as you go through the process.
    Just a reminder, completing the counseling session is free, is not a binding contract, and all information remains confidential.
    Remember, we are here to help. Our counselors are available nationwide, 24/7-by telephone and online-in both English and Spanish. We’ve helped thousands of people, just like you, get through periods of financial crisis.
    If you would prefer to complete your DMP session by phone, please call 800.251.2227 to schedule an appointment with a Budget & Credit counselor today.
    For those clients living in the following states or territories: Indiana, Minnesota, North Dakota, Puerto Rico, or the Virgin Islands, we are able to provide Budget and Credit counseling – as well as our other counseling services, but are not able to offer a Debt Management Plan. We can, however, provide you with information on who in your state could provide a DMP.


    read more at Non Profit Credit Card Counseling
    Posted by


  4. This course lasts two hours. Topics covered include:
    • Setting realistic financial goals
    • Understanding your credit report
    • Obtaining or re-establishing credit
    • Managing budgets
    • And more
    Again, this course is required and only available to individuals who have already filed for personal bankruptcy. To enroll in this class you must provide your case number.
    The Pre-Discharge bankruptcy education class is available online.
    • Online classes are accessible on this site 24/7. To get started click on “Start an online session” above.
    How to Prepare for your Counseling Session
    We strongly recommend that you watch this video to understand what documents you will need to have available, and how to get the most value from your counseling session.


    read more at Military Debt Management Agency
    Posted by


  5. CredAbility makes it simple to pay down your debt.
    Through our Debt Management Plans (DMP), you can pay off your credit cards, lower your interest rates, eliminate fees and put an end to collection calls - forever. Sound like a plan? Good, because our Certified Credit Counselors can help you get out of debt in four simple steps.
    It's free. It's confidential.
    And all it takes is a couple of minutes
    To get out of debt sooner than you think.

    We have the essentials to help you buy your first home.
    This paid course of pre-purchase education and counseling can help you become a successful homeowner and fulfill the requirements of many existing down payment assistance programs.
    read more at How to File Bankruptcy
    Posted by


  6. Getting into debt can happen to anybody. It can start with a job loss, a medical crisis, a natural disaster or even life in general. No one is immune.
    But once your debt starts to mount, don't rely on just anybody to get you out of trouble.
    CredAbility makes it simple to pay down your debt.
    Through our Debt Management Plans (DMP), you can pay off your credit cards, lower your interest rates, eliminate fees and put an end to collection calls - forever. Sound like a plan? Good, because our Certified Credit Counselors can help you get out of debt in four simple steps.

    Understanding Your Credit Score
    This article will give you a clear explanation of a credit score and how managing your finances will determine your costs to borrow money, plus valuable resources to help you learn more.
    read more at Help for debt
    Posted by


  7. This counseling and the subsequent certificate can be received by telephone and online — in both English and Spanish. CredAbility’s counselors are available nationwide, 24/7.
    To begin pre-filing bankruptcy counseling, call 800.251.2227 to schedule a telephone or in person appointment or click on the green "Start an online session" button above.
    How to Prepare for your Counseling Session
    We strongly recommend that you watch this video to understand what documents you will need to have available, and how to get the most value from your counseling session.

    Should I refinance?
    This course will help you gain a better understanding of mortgage refinancing and whether or not it is the right financial move you.
    read more at Free Prebankruptcy Credit Counseling
    Posted by


  8. If you're feeling overwhelmed by your finances, the first step toward regaining control can sometimes be the hardest. We understand that, because we've helped thousands of people just like you. And we're here to help you take your next steps with confidence and hope.
    Let's turn this thing around
    Our certified counselors will help you review your budget and debts, discuss your options, and share a list of education resources on a wide range of credit management topics that you can take online, 24/7.
    After your session, our support continues with free debt advice and online assistance in everything from how to pay down debt to strategies for successful credit management and how to read a credit report. As always, our reprentatives are here 24/7 to help you build a brighter financial future.

    read more at Free Debt Management Companies
    Posted by


  9. The Pre-Discharge bankruptcy education class is available online.
    • Online classes are accessible on this site 24/7. To get started click on “Start an online session” above.
    How to Prepare for your Counseling Session
    We strongly recommend that you watch this video to understand what documents you will need to have available, and how to get the most value from your counseling session.


    4:04 min
    Making a Five Year Plan
    Listen as our CredAbilityU experts discuss financial tips on making a five year plan and more importantly how and why you should do it.
    podcast
    3:49 min
    New Resources on CredAbilityU
    Listen as our CredAbilityU experts discuss a variety of free resources that can assist you with your personal financial goals.
    webinar
    Play Your Way to Financial Freedom
    Play Your Way To Financial Freedom teaches you how to use educational games to help your family change the way they think about money and credit cards. You will learn how to play the new Beat Debt board game and Paid Off card game (for in-person only; games sold separately).





    read more at Filing for Personal Bankruptcy
    Posted by


  10. We are glad you chose CredAbility to begin your bankruptcy pre-filing counseling session. We are here to listen, answer your questions and provide the information you need. We strongly urge you to visit with an attorney to discuss the benefits, costs and consequences of filing for personal bankruptcy. And if you are not sure what you need, contact us—we will help you on the right path.
    This counseling and the subsequent certificate can be received by telephone and online — in both English and Spanish. CredAbility’s counselors are available nationwide, 24/7.
    To begin pre-filing bankruptcy counseling, call 800.251.2227 to schedule a telephone or in person appointment or click on the green "Start an online session" button above.

    What is the Best Mortgage Loan for Me?
    The purpose of this course is to familiarize you with the loan pre-qualification and pre-approval process of home buying. You will also learn about the various mortgage options you can choose from. In addition, you will learn about the underwriting and loan decision process.
    read more at Debt Settlement Loan
    Posted by


  11. Play Your Way to Financial Freedom
    Play Your Way To Financial Freedom teaches you how to use educational games to help your family change the way they think about money and credit cards. You will learn how to play the new Beat Debt board game and Paid Off card game (for in-person only; games sold separately).

    We have the essentials to help you buy your first home.
    This paid course of pre-purchase education and counseling can help you become a successful homeowner and fulfill the requirements of many existing down payment assistance programs.
    read more at Debt Management Plans Pros and Cons
    Posted by


  12. CredAbility has provided nonprofit credit counseling services to millions of consumers since 1964. Our counselors are certified by the National Foundation for Credit Counseling (NFCC,) which means they meet exacting ethical, educational and counseling standards. CredAbility is also a HUD-approved counseling provider. Our mission is to empower people with knowledge and solutions that provide hope and inspire lasting change. We are committed to providing compassionate debt advice and credit management knowledge and tools that help people learn how to reach their financial goals.
    Free Budget Planning Session, No Obligation
    During a counseling session, you and your counselor will go over your current budget, including any money owed such as debt from credit cards, medical bills, student loans, car loans and all others. Afterwards, you will receive a written summary including an action plan to move forward. You are under no obligation to take any of the debt advice or recommended credit management steps. Your counseling session is completely confidential. We do not report the information to your creditors or your credit report.
    Understanding Your Net Worth
    Determining your net worth is as important as knowing how much you owe. This article will help you understand the value of your assets and your liabilities in dealing with financial challenges.
    Posted by


  13. Every situation is unique, but we can help you better understand the foreclosure process and the paths that may be open to you. We can also connect you with your lender to help maintain the communications link so important before and during the foreclosure process. Afterwards, you’ll receive an action plan to help you get back on track.
    If you’re facing foreclosure, you’re not alone. Let CredAbility help you determine potential alternatives to the foreclosure process such a mortgage modification or other options.
    Begin a foreclosure prevention counseling session today, or call us at 800.251.2227 to schedule an appointment.

    nderstanding Your Credit Score
    This article will give you a clear explanation of a credit score and how managing your finances will determine your costs to borrow money, plus valuable resources to help you learn more.
    read more at Debt Management Online
    Posted by


  14. Let's turn this thing around
    Our certified counselors will help you review your budget and debts, discuss your options, and share a list of education resources on a wide range of credit management topics that you can take online, 24/7.
    After your session, our support continues with free debt advice and online assistance in everything from how to pay down debt to strategies for successful credit management and how to read a credit report. As always, our reprentatives are here 24/7 to help you build a brighter financial future.

    Play Your Way to Financial Freedom
    Play Your Way To Financial Freedom teaches you how to use educational games to help your family change the way they think about money and credit cards. You will learn how to play the new Beat Debt board game and Paid Off card game (for in-person only; games sold separately).
    read more at Debt Management Credit Counselor
    Posted by


  15. Our professional counselors offer confidential advice that helps you take a new look at budget planning, and helps you learn how to manage your credit card debt and any other debts, and help you learn how to start building savings. In a budget planning session, we’ll work with you to determine the most effective way to approach your particular situation, and, aftewards, we'll send you a personalized plan that can help you begin to stabilize your finances and meet future goals.
    Whether you’re trying to tighten-up your budget or struggling to pay credit card debt, medical expenses or any other kind of financial obligation, take advantage of the free, completely confidential budget planning services we offer. You have the ability to regain control of your finances and pay down your credit card debt and more... get started today!


    Making a Five Year Plan
    Listen as our CredAbilityU experts discuss financial tips on making a five year plan and more importantly how and why you should do it.

    New Resources on CredAbilityU
    Listen as our CredAbilityU experts discuss a variety of free resources that can assist you with your personal financial goals.




    Posted by


  16. What is a Debt Management Plan?
    For a small monthly fee, consumers make a single payment to an agency like CredAbility, which acts as a trustee in distributing the funds to creditors. CredAbility works with both clients and creditors to design a debt repayment program that minimizes monthly payments, interest and related fees, providing a manageable tailored plan for the client. This enables the client to repay their entire debt obligation at more favorable terms, and on a plan that is within their ability to pay.
    The repayment period varies based on amount owed and the repayment terms. The average debt management plan is structured to repay debt in 36-60 months.
    Get Help
    The key to reclaiming your financial independence is recognizing the need for help and getting it. At CredAbility, certified counselors will help you evaluate your financial situation and find the solution that best suits you. For more information on Debt Management Plans or to talk with a certified counselor about your options for a debt free life, contact CredAbility at 800.251.2227 or online at www.CredAbility.org.


    read more at Debt Management Agency
    Posted by


  17. A Debt Management Plan (DMP) helps consumers who are struggling with credit card debt develop reduced payment programs with creditors. Many creditors offer favorable repayment terms to consumers who enroll in a DMP, including interest rates ranging from 6% to 10% on their credit card debt. These creditors may also eliminate late fees and penalties once a consumer enrolls in a DMP with a nonprofit credit counseling organization.
    CredAbility says that the consumers on its Debt Management Plans in 2010 had higher incomes, more credit card debt and were older than in previous years.
    In 2010, the average income of a person on a DMP with CredAbility was $53,880, a four percent increase compared to 2009. Each person on a DMP in 2010 had an average of $24,266 in credit card debt, a 4.5 percent increase compared to 2009. The average age of a person on DMP in 2010 was 48, up from 45 years old in 2009.
    “While people enrolling in our DMPs earn good incomes, they have an increasing amount of credit card debt,” Williams said. “We can help them negotiate lower interest rates with their creditors that may result in lower monthly payments.”
    Posted by


  18. At CredAbility, certified counselors help consumers determine whether they can tackle their financial challenges through budgeting and reduced spending, or if the structure of a debt management plan will be more effective.
    What is a Debt Management Plan?
    For a small monthly fee, consumers make a single payment to an agency like CredAbility, which acts as a trustee in distributing the funds to creditors. CredAbility works with both clients and creditors to design a debt repayment program that minimizes monthly payments, interest and related fees, providing a manageable tailored plan for the client. This enables the client to repay their entire debt obligation at more favorable terms, and on a plan that is within their ability to pay.
    The repayment period varies based on amount owed and the repayment terms. The average debt management plan is structured to repay debt in 36-60 months.

    Know the Score: Understanding and Improving Your Credit Score
    We will explore the importance of a credit score and how it can affect your financial life. You will learn the five critical factors that determine your number, how to deal with errors and tips that may help you increase your score.

    read more at Credit Counseling Organization

    Posted by

  19. The key to reclaiming your financial independence is recognizing the need for help and getting it. At CredAbility, certified counselors will help you evaluate your financial situation and find the solution that best suits you. For more information on Debt Management Plans or to talk with a certified counselor about your options for a debt free life, contact CredAbility at 800.251.2227 or online at www.CredAbility.org.



    Making a Five Year Plan
    Listen as our CredAbilityU experts discuss financial tips on making a five year plan and more importantly how and why you should do it.

    New Resources on CredAbilityU
    Listen as our CredAbilityU experts discuss a variety of free resources that can assist you with your personal financial goals.
    read more at Credit Counseling Company
    Posted by


  20. Compass/CCCS has three offices in Greenville, Spartanburg and Greenwood.  Its CCCS program was started in 1971 and provides budget, credit, and pre-filing bankruptcy counseling, debtor education and debt management plans.
    “This is exciting news for both organizations.” said Suzanne Boas, president of CredAbility. “We provide many of the same services and share the same values. Combining the Compass/CCCS program with CredAbility will enable us to serve additional clients in the southeast.”
    “We are pleased that our CCCS program will join a national nonprofit credit counseling agency that can provide our clients with additional services,” said Thomas Bannister, president of Compass of Carolina. “The addition of CredAbility’s housing counseling services, its 24/7 convenience and its bilingual staff will benefit many residents of upstate South Carolina.”
    Know the Score: Understanding and Improving Your Credit Score
    We will explore the importance of a credit score and how it can affect your financial life. You will learn the five critical factors that determine your number, how to deal with errors and tips that may help you increase your score.

    read more at Credit Cards Debt Settlement
    Posted by


  21. The three South Carolina offices are in cities that serve approximately 700,000 persons who will now gain access to an organization with more than 300 credit, housing and bankruptcy counselors accessible 24/7 by telephone and Internet, in English and Spanish.
    While CredAbility already provides counseling to consumers in all 50 states, this acquisition enables CredAbility to expand its face-to-face counseling offices to a fifth state in the southeast. CredAbility already has 28 offices in Georgia, Florida, Tennessee and Mississippi.

    Know the Score: Understanding and Improving Your Credit Score
    We will explore the importance of a credit score and how it can affect your financial life. You will learn the five critical factors that determine your number, how to deal with errors and tips that may help you increase your score.

    read more at Credit Card Debt Problems
    Posted by


  22. Getting started on your DMP is easy and can be completed in 4 easy steps.
    Step 1 –Provide the basic personal information necessary for DMP enrollment
    Step 2 –Review your creditors and the benefits of your DMP
    Step 3 –Review your current financial situation
    Step 4 –Finally, we will take a look at your monthly cash flow
    The total process will only take a few minutes. If you have any questions, a Certified Credit Counselor is available to assist you as you go through the process.

    Identity Theft
    Learn the necessary steps to protect your information and avoid the common mistakes that allow someone to take your identity. This course will help you understand what you must do if you are a victim of identity theft.
    podcast
    3:51 min
    Importance of Saving
    Listen as our CredAbilityU experts discuss the importance of saving and tips to keep you on track


    read more at Credit Card Debt
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  23. Pre-Discharge Bankruptcy Education
    Required by law, before your bankruptcy case can be discharged- which means debts included in the bankruptcy are no longer considered collectible- you must complete Pre-Discharge bankruptcy education. This course lasts two hours. Topics covered include:
    • Setting realistic financial goals
    • Understanding your credit report
    • Obtaining or re-establishing credit
    • Managing budgets
    • And more
    Again, this course is required and only available to individuals who have already filed for personal bankruptcy. To enroll in this class you must provide your case number.
    The Pre-Discharge bankruptcy education class is available online.
    • Online classes are accessible on this site 24/7. To get started click on “Start an online session” above.


    read more at Consumer Credit Counseling
    Posted by


  24. CredAbility has helped thousands of people get out of debt. Why should you be any different?
    For those clients living in the following states or territories: Indiana, Minnesota, North Dakota, Puerto Rico, or the Virgin Islands, we are able to provide Budget and Credit counseling – as well as our other counseling services, but are not able to offer a Debt Management Plan. We can, however, provide you with information on who in your state could provide a DMP.
    Fully Covered
    Understand the basic types of insurance and why it is important to have the right insurance coverage for your family.
    webinar
    Identity Theft
    Learn the necessary steps that you need to take to protect your information and avoid the common mistakes that allow the thieves to take your identity. Learn also what you have to do if you are already a victim of identity theft.



    Posted by

  25. For those clients living in the following states or territories: Indiana, Minnesota, North Dakota, Puerto Rico, or the Virgin Islands, we are able to provide Budget and Credit counseling – as well as our other counseling services, but are not able to offer a Debt Management Plan. We can, however, provide you with information on who in your state could provide a DMP.

    read more at: Bad Debt Management
    Posted by


  26. Getting into debt can happen to anybody. It can start with a job loss, a medical crisis, a natural disaster or even life in general. No one is immune.
    But once your debt starts to mount, don't rely on just anybody to get you out of trouble.
    CredAbility makes it simple to pay down your debt.
    Through our Debt Management Plans (DMP), you can pay off your credit cards, lower your interest rates, eliminate fees and put an end to collection calls - forever. Sound like a plan? Good, because our Certified Credit Counselors can help you get out of debt in four simple steps.
    It's free. It's confidential.
    And all it takes is a couple of minutes
    To get out of debt sooner than you think.


    read more at Best Way to Consolidate Credit Card Debt
    Posted by


  27. We are glad you chose CredAbility to begin your bankruptcy pre-filing counseling session. We are here to listen, answer your questions and provide the information you need. We strongly urge you to visit with an attorney to discuss the benefits, costs and consequences of filing for personal bankruptcy. And if you are not sure what you need, contact us—we will help you on the right path.
    This counseling and the subsequent certificate can be received by telephone and online — in both English and Spanish. CredAbility’s counselors are available nationwide, 24/7.


    Fair Credit Reporting
    In this article, you will find out how to get free copies of your credit report, while ensuring its accuracy, privacy and your rights under federal law.

    Fair Debt Collection
    If you are behind on paying credit cards, personal loans or a home mortgage, this article will explain the laws governing debt collection, so you will know how to be treated fairly, honestly and legally.




    read more Best Debt Management
    Posted by


  28. Why Choose CredAbility?
    CredAbility has provided nonprofit credit counseling services to millions of consumers since 1964. Our counselors are certified by the National Foundation for Credit Counseling (NFCC,) which means they meet exacting ethical, educational and counseling standards. CredAbility is also a HUD-approved counseling provider. Our mission is to empower people with knowledge and solutions that provide hope and inspire lasting change. We are committed to providing compassionate debt advice and credit management knowledge and tools that help people learn how to reach their financial goals.
    Conquering Credit Challenges
    Each of us has a responsibility to manage spending. You will learn how to get the right reports from credit bureaus, interpret your credit report, understand the costs of using credit and work with your creditors.

    read more at Bankruptcy Information
    Posted by


  29. Our debtor education course will prepare you for a new beginning.

    Pre-Discharge Bankruptcy Education
    Required by law, before your bankruptcy case can be discharged- which means debts included in the bankruptcy are no longer considered collectible- you must complete Pre-Discharge bankruptcy education. This course lasts two hours. Topics covered include:
    • Setting realistic financial goals
    • Understanding your credit report
    • Obtaining or re-establishing credit
    • Managing budgets
    • And more
    Again, this course is required and only available to individuals who have already filed for personal bankruptcy. To enroll in this class you must provide your case number.

    Who’s On My Home Buying Team?
    This webinar will instruct you on who you need to have on your home buying team. What their roles are and how they will help you achieve your goal of buying a home.
    read more at Bad Debt Settlement
    Posted by

  30. For those clients living in the following states or territories: Indiana, Minnesota, North Dakota, Puerto Rico, or the Virgin Islands, we are able to provide Budget and Credit counseling – as well as our other counseling services, but are not able to offer a Debt Management Plan. We can, however, provide you with information on who in your state could provide a DMP.


    Where Do I Want to Be in 5 Years?
    This webinar will help you identify and commit to goals that inspire you to make the right choices. You'll also learn to adjust goals as necessary.

    read more at: Bad Debt Management
    Posted by


  31. Understanding Your Credit Score
    This article will give you a clear explanation of a credit score and how managing your finances will determine your costs to borrow money, plus valuable resources to help you learn more.


    Where Do I Want to Be in 5 Years?
    The purpose of this webinar is to help you identify and commit to goals that inspire you to make the right choices. You will learn to start with your ending goal in mind, write down your goals and adjust your goals as necessary.
    read more at: Advantages of Bankruptcy
    Posted by


  32. Get out of debt and back on track today.

    If you're feeling overwhelmed by your finances, the first step toward regaining control can sometimes be the hardest. We understand that, because we've helped thousands of people just like you. And we're here to help you take your next steps with confidence and hope.
    Let's turn this thing around
    Our certified counselors will help you review your budget and debts, discuss your options, and share a list of education resources on a wide range of credit management topics that you can take online, 24/7.

    What's The Best Mortgage Loan For Me
    This course will instruct you on the loan pre-qualification/pre-approval process. Learn about the available mortgage options and the underwriting and loan decision process.

    read more at: Free Credit Counseling
    Posted by




  33. What is the Best Mortgage Loan for Me?
    The purpose of this course is to familiarize you with the loan pre-qualification and pre-approval process of home buying. You will also learn about the various mortgage options you can choose from. In addition, you will learn about the underwriting and loan decision process.

    read more at Debt Management Plan Calculator
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